Cash Loan

Form of Lending: Without opening a credit line (one-time issuance)

Loan purpose Providing cash loans to corporate clients engaged in entrepreneurial activities for business development without subsequent verification of the intended use of funds

Method of Lending: Withdrawal of cash from the branch cash desk

Loan terms: up to 60 months

Possibility of establishing a grace period for principal repayment: up to 6 months.

Loan Currency: National currency of the Republic of Uzbekistan — Uzbek som.

Interest Rate: from 23.99% per annum - in national currency

From 13.99% per annum - in foreign currency*

* cash withdrawals are made exclusively in the national currency.

Minimum Loan Amount: not established.

Maximum Loan Amount: up to 3,000,000,000.00 (three billion) UZS.

Loan Repayment: Monthly, through annuity or differentiated payments.

Acceptable Types of Collateral:

• Pledge of funds in freely convertible and national currency held in accounts opened with JSC «InFinBank»;

• Pledge of movable/immovable property;

• other liquid collateral not prohibited by applicable law

Collateral Coverage Ratio: at least 125% of the Loan amount.

Mandatory requirements for borrowers:

• The term of state registration is at least 6 months;

• The existence of a basic demand deposit account with InFinBank JSC;

• Having a profitable business that's up and running;

• No negative credit history;

• Other requirements for potential borrowers, collateral, and conditions for obtaining a loan are governed by the Bank's Credit Policy and relevant local regulations of the Bank.

List of Documents Provided by the Borrower:

• Loan application with a description of all loan terms and collateral requirements;

• Borrower’s certificate of state registration;

• Copy of the charter and founding documents of the enterprise, including all amendments;

• Copy of documents confirming the authority of the person to sign the loan agreement on behalf of the borrower, if the person acts as the borrower’s representative, including signature specimens;

• Decision of the authorized body of the Borrower/with the borrower to attract the necessary loan amount on the relevant terms and provide collateral for the loan;

• Documents on collateral provided, in accordance with the “Procedure for accepting and evaluating collateral for credit operations carried out by the corporate lending divisions of InFinBank JSC”

The terms of lending under this product using borrowed funds are determined based on the conditions of the attracted credit lines.